APA (7th ed.) Citation

Faiz, A., Fernando, Y., & Faris, A. (2025). Beyond universal models a dual-pathway conceptual framework for fintech adoption in multi-ethnic emerging economies. HBZ & Partners PLT.

Chicago Style (17th ed.) Citation

Faiz, Azizul, Yudi Fernando, and Azizul Faris. Beyond Universal Models a Dual-pathway Conceptual Framework for Fintech Adoption in Multi-ethnic Emerging Economies. HBZ & Partners PLT, 2025.

MLA (9th ed.) Citation

Faiz, Azizul, et al. Beyond Universal Models a Dual-pathway Conceptual Framework for Fintech Adoption in Multi-ethnic Emerging Economies. HBZ & Partners PLT, 2025.